With kiakia loan, you can apply for a loan worth up to N200,000 for a minimum duration of 7 days and a maximum of 30 days without collateral and your money will be disbursed into your bank account within 24 hours if being accepted.

Kiakia Loans

Kiakia loans are designed for both short time and long term business purposes. Their loans are designed to provide financial credits for urgent and unexpected consumer needs before your next employment or business income.

Table Of Contents
  • Kiakia
  • Pros and Cons of Kiakia Loans
  • How to apply
  • Benefits
  • Kiakia loan requirements
  • Interest rate
  • Repayment plan
  • Customer care number
  • Kiakia loan head office
  • Kiakia loan app download
  • How we reviewed kiakia loans
  • Conclusion

About Kiakia Loan

Kiakia is owned, managed, and administered by Kiakia Bits Ltd. Kiakia is a business that is specializes in money lending through virtual means such as the internet.

Kiakia is fully compliant with the money lending legislative requirements of Nigeria and promotes responsible lending and borrowing.

Kiakia make use of a virtual agent known as Mr.K which guide you through the process of getting loan upon visiting the site and also to perform other task such as: creating of account; knowing your credit score; your interest rate and repayment schedule etc.

Pros and Cons of Kiakia Loans in Nigeria

Here's a breakdown of some of the benefits and drawbacks of Kiakia Loans:

The Pros

  • You can get your kiakia loan application sorted out within 5 minutes
  • No hidden charges
  • No collateral or documentation needed
  • Good customer support system.

The Cons

  • You can't borrow more than N300,000
  • Kiakia has no app, which means all your loan application is being done via it's website

How to Apply for a Loan with Kiakia

Kiakia Loans

To successfully apply for a loan with Kiakia, follow this steps:
  1. Visit the Kiakia loan homepage here
  2. Click on the "Click to get loan"
  3. You will be directed to chat with kiakia loan virtual agent who paraded himself as Mr.K
  4. From the options that is being displayed on your screen, click on "Get a loan".
  5. Enter your email address as being by Mr.K
  6. Since you don't have an account with them, click on the "sign me up" to create an account
  7. Enter a 6-digit verification code in the box below, being sent to you via your email account
  8. Mr.K will walk you through the remaining process.

Top 10 Best loan companies that offer 24hrs loan in Nigeria

Why Use KiaKia.co?

1. Real Time

Account creation and loan application are swift and 24/7 no downtime, you can apply for fund loan anytime.

2. No Fees

KiaKia charges no application nor lender listing fees.

3. Self Service

Kiakia assigned a personalised virtual agent known as Mr.K that guide you through the loan application.

4. Credit Score

Learn about scoring and how you can build your credit score based on your activity on the platform and financial behaviour.

5. Friendly Reminders

Get friendly repayment reminders and notifications before repayment on your due date.

Kiakia Loan Requirements

Before accessing for a loan on the kiakia loan website, please make sure to provide these following requirements:

Bank Account

Where your loan will be disbursed.

Email Address

Where your 6-digit verification code will be sent to you.

Statement of Account

A summary of your financial transactions (monies paid and owed) over a certain period of time.

Bank Verification Number

To verify if you are indeed the owner of the bank account you provided.

ID Card

For verification.

Need a loan? Check out these 10 best lending companies that offer loans without collateral

Kiakia Loans Interest Rate

Kiakia charges a flat interest rate for two loan duration of 15 days (being any number of days between 1 - 15 days) and 30 days (being any number of days between 16 - 30 days) respectively.

The interest rates are 15% for 14days loan duration and 20% for 30days loan duration. This solely depends on your credit score and risk level.

How to payback your kiakia loan

Kiakia Loans

It's your loan approaching it's due date? Or at when due? If yes, then worry no more. Quickly follow these steps to repay your debt:
  • Visit the kiakia website at kiakia.co
  • Click on "click to get a loan"
  • From the list of options being displayed for you by Mr.K (kiakia loan chat box) click on "repay a loan"
  • Type in your email address as instructed by kiakia virtual agent, known as Mr.K
  • Follow it's command to successfully repay your debt.

Kiakia Customer Care Number

Kiakia Loans

For issues or support, please don't hesitate to contact kiakia with any of these numbers: +2348093078377; +2349055111140.

You can also WhatsApp and chat with them online on +2348092245588. Or you can email them at helpdesk@kiakia.co

Kiakia Loan Head Office

Plot 395A, Etang Obuli Crescent, Obafemi Awolowo Way, Jabi, Abuja.

Suite S3, Pathfield Mali, 4th Avenue, Gwarinpa, Abuja.

Kiakia Loan App Download

At the time of writing, kiakia doesn't have any official loan app. All process are all done within their official website at kiakia.co

How Loansnigeria.com Review kiakia loans in Nigeria

  • Overall Score - 4.8
  • Affordability - 4.7
  • Availability - 4.9
  • Customer Experience - 5.0

Please note: All reviews are prepared by loansnigeria.com, opinion expressed therein are solely based Loansnigeria.com and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review.


Kiakia loan is simply an online loan lending platforms that offers loans without collateral within 24 hours if being accepted directly to your bank account.